Policies

PRIVACY POLICY NOTICE AND DISCLAIMER

GENERAL PROVISIONS AND DISCLAIMER

This site has been designed for informational purposes only and does not constitute an offer or solicitation of a loan or any other services provided by United FCS d/b/a FCS Commercial Finance Group (“CFG”). The services and information provided on this site are for personal, non-commercial use and display. CFG does not provide financial advice through this site, since such advice can only be given after a personal interview at which a party’s individual goals and circumstances are discussed. Users are advised not to rely on any information contained in the site in the process of making a fully informed financial decision. CFG does not, and this site does not, intend to render financial, tax or legal advice. News, views, opinions, recommendations and other information obtained from sources outside of CFG are believed to be reliable, but we cannot guarantee its accuracy or completeness. All such information is subject to change at any time without notice.

DISCLAIMER AND LIMITATION OF LIABILITY

The accuracy, completeness and timeliness of the information contained on this site cannot be guaranteed. CFG does not warrant, guarantee or make any representations, or assume any liability with regard to business or personal financial decisions based on the use of the information in this site. CFG is not liable for any harm caused by the transmission, through accessing the services or information in this site, of a computer virus, or other computer code or programming device that might be used to access, delete, damage, disable, disrupt or otherwise impede in any manner, the operation of the site or of any user’s software, hardware, data or property. The use of this web site is at your own risk.

COPYRIGHTS AND TRADEMARKS

Except as may be expressly authorized; no information contained on this site may be reproduced, transmitted, displayed, distributed, published, or otherwise commercially explored without the prior written consent of CFG. All designated trademarks, service marks or trade names are the property of CFG and its affiliates and may not be used or reproduced for any purpose without the express written consent of CFG.

E-MAIL

Some areas of this site permit you to contact us by electronic communication (E-mail). You should be aware that such communication transmitted through the World Wide Web may not be completely secure and therefore any personal, private or confidential information you transmit may be accessed by third persons not intended to have access to it. Your use of e-mail to contact us is at your own risk and security of the communication cannot be guaranteed. CFG reserves the right to block the use of this site by any user who transmits obscene, pornographic, libelous or otherwise objectionable or illegal material, or who uses it for any unauthorized or unintended purpose. Any such material which is posted by a user may be immediately removed by CFG which reserves exclusive control over this site and its content.

HYPERLINKS

This site may contain links to other sites not maintained or controlled by CFG. CFG takes no responsibility for the material, information or content of any site to which a user may have access through a link on this site. The fact that another site may be accessed through a link on this site is not and should not be taken as an endorsement by CFG the owner of the site or of any goods, services or information offered on the linked site.

UPDATES AND CHANGES

CFG reserves the right to change or update this site at any time and to delete from or add material to it as it in its sole discretion deems proper. CFG does not warrant or represent that it will update this site at any particular time and so some information may be outdated at the time it is viewed by a user.

WEB SITE PRIVACY POLICY

This privacy statement describes how CFG uses and protects personal information provided by individuals who use this web site.

PERSONAL INFORMATION

When you visit this site CFG may collect your current Internet address, the type of browser software used and the referring site and/or search engine. We may also track the sections of the web site accessed by you. This information is stored together with like information from all users without knowing your name or any other personal information which could identify you. This information may be used by CFG to evaluate this web site and to provide better services to people using it. You are not required to provide CFG with any personal information unless you choose to do so. However, access to certain information or services offered on this site may require personal information. Use of such services online is totally voluntary by the user. You may choose to provide us with personal information to receive additional information or services from this web site. CFG will exercise reasonable precautions to maintain the confidentiality of all information provided in connection with your use of this site. We may at times disclose such information to our employees, officers, agents or affiliates, as well as any governmental entity, in the conduct of our business to comply with applicable rules, orders, subpoenas or other legal processes, or in order to provide information to a government agency or official requesting such information, or as otherwise permitted by law. For example, if you register to have information mailed to you, the third party handling the mailing will require the release of your name and address which may be considered personal information. The personal information you provide to us on this site may be protected by other laws and regulations governing privacy not described in this privacy statement.

COOKIES

Cookies are small pieces of data that web sites such as this site maintained by CFG send to your computer. These cookies are stored in your hard drive. We use cookies to collect general information, on an anonymous basis, about how this site is used. (See Personal Information) This general information may be used for marketing and/or research purposes and may be shared by us with our affiliates and unaffiliated parties. You may be able to turn the cookies off in your computer set up. However, if you do it may affect your ability to access this or other web sites.

WHY DO WE COLLECT PERSONAL INFORMATION?

We collect personal information about you for business purposes, such as evaluating your financial needs, processing your requests and transactions, informing you about products and services which may be of interest to you, and providing customer service. The personal information we may collect includes: information you provide to us on applications and other forms (such as your name, address, social security number, occupation, assets, and income); information about your transactions with us, our affiliates and others; and/or information we receive from consumer reporting agencies (such as your credit history and credit worthiness) and other entities not affiliated with CFG. Protection of Personal Information We use all reasonable efforts to limit access to your personal information to those CFG employees who need to know in order to conduct our business, service your account, and help you accomplish your financial objectives. Our employees are required under Farm Credit policy and guidelines to maintain and protect the confidentiality of your personal information and must follow these established procedures to comply with Farm Credit policy and rules. We maintain physical, electronic and procedural safeguards to protect your personal information.

SECURITY

CFG’s site uses industry-standard Secure Sockets Layer (SSL) technology to allow for the encryption of potentially sensitive information such as your name and address. If you are using a security-enabled browser (such as Microsoft Internet Explorer version 2.1 or greater, or Netscape Navigator version 2.0 or greater), the information you provide us is encrypted at 128-bit, making it extremely difficult to read, even if it is wrongly intercepted.

The latest versions of Netscape, Microsoft or AOL browsers can be downloaded for free on their respective websites.

INFORMATION SHARING AND AFFILIATES

CFG is made up of several affiliated Farm Credit Associations. We may share your personal information as described above with our affiliates for business purposes such as providing services and servicing customer accounts. CFG does not share or sell any of the information it gathers to third parties unaffiliated with CFG.

ANTI-MONEY LAUNDERING POLICY

To help the government fight the funding of terrorism and money laundering activities, Federal law requires financial institutions to obtain, verify and record information that identifies each person who applies for a loan. So in addition to the information requested herein we may also ask to see your driver’s license or other identifying documents.